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Holiday Loans

A holiday loan will help you get through Thanksgiving, Christmas, Hanukkah, and the new year.  White Sands FCU is an excellent source for your next holiday loan.

We know the holidays can be stressful enough without worrying about how to afford them. Worse yet, the shopping season always seems to arrive before you’re really ready for it or prepared with adequate savings. That’s why we offer several different personal loan options to help keep you in the holiday spirit without busting your budget – this season, consider a holiday loan from White Sands FCU. Holiday loans can be used for purchasing gifts, holiday travel, or any other holiday expense. Holiday loans feature:

  • Low rates and terms up to 5 years
  • Borrow up to $25,000
  • Apply online 
  • No payments for 90 days* (on personal and secured loan)
  • Skip up to 2 payments per year**

Our holiday loan rates are competitive and payment terms are affordable.  Apply online today 

Personal Loan Rates

APR: Annual Percentage Rate. Rates subject to change without notice.
Loan rates and terms are determined by credit score, amount financed and other factors.
TermAPR* as low asAPR* as low as - with Loyalty Plus & Online Application Discount
Signatureup to 60 months12.00%11.50%
Line of Creditrevolving12.00%11.50%
Share Securedvaries2.00% above dividend rateN/A
Share Certificate Securedvaries2.00% above dividend rateN/A
*Finance charges begin on the date the loan is made and interest accrues during the payment deferral period. The first payment is due within 90 days of loan disbursal.
**Our skip-a-payment program requires the loan be in good standing and is not available for mortgage loans or credit cards. The fee to skip a payment is $20 per payment if done online or $30 if done in a branch /phone. Other terms and conditions apply.


Contact Us

Call Center:
(575) 647-4500 or

(800) 658-9933.

Hours of Operation:
Monday thru Friday, 8 am-5 pm

Mailing Address:
P.O. Box 99
Las Cruces, NM 88004

Routing & Transit # 312276470

Federally Insured by NCUA

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency.

Equal Housing Lender

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Federally Insured by NCUA  Equal Opportunity Lender  Facebook

White Sands Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with the WCAG 2.0 standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other assistive technology and are encountering problems using this website, please contact us at 575-647-4500 or 1-800-658-9933. Please provide the location of the inaccessible information. All products and services available on this website are available at all White Sands Credit Union branch locations.

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